I was with State Farm also for over a 25 years. Then a a year ago they dropped coverage on my Mountain Home saying it was in a fire area. I checked with several and no one will cover fire areas in CA, so I had to go with the California Fair Plan. The Fair Plan is anything but fair, it is a CA plan for people that have been canceled and it only covers fire, wind things like a tree coming thru your house. It does cover theft, liability or water damage and my coverage went from around $1,400.00 a year to $4,800.00. So I dropped State Farm and went to Allstate and a little better coverage a little less, moved three cars, my home and one rental house sorry State Farm